Short and Long Term Disability

Short term and long term disability insurance helps protect an employee’s financial well-being by replacing lost wages if an illness or injury prevents them from working. HealthSmart Casualty Claims Solutions goes beyond simple claims administration and helps the employee get healthy, and when possible, back to work.

Every claim is unique and must be reviewed thoroughly to arrive at an objective evaluation. Our expert adjusters ensure that each claim is accurately and efficiently adjudicated. We provide employees with a timely determination of benefits and respectful treatment during the entire claim episode.

Ensure accurate claims with adjuster outreach to both employee and physician to gather facts

Help improve health with employee case management where appropriate

Encourage long term health with employee referral to employer health programs

Take control of claims with return to work confirmations and monthly employer reporting

We understand that each employer is unique and we offer claim service teams that will adapt to your needs. With leading edge technology and collaboration with health management experts, we achieve outstanding results for our clients.

One in four people in their 20s will likely become disabled before retiring, and one in eight workers can expect to be disabled for five years or more before retirement.